Home Insurance in Herreid, South Dakota
The median home value in Herreid is $122,900, 6% higher than the Campbell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Herreid was built around 1969. About 43% of homes were built before 1960, about 7 points below Campbell County's 50%.
In Herreid, the housing stock is 72% single-family homes, 13% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Herreid carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Herreid are owner-occupied.
In Herreid, 42% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Campbell County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Campbell County had 1 active NFIP flood policy as of September 2026. See the full Campbell County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $122,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Campbell County | 1 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)